Fintech lending, market gaps and financial stability

Fintech lending, market gaps and financial stability:
Discuss the new role of non-bank “Fintech” lenders.
What market segments have they served?
Are Fintech lenders expanding financial inclusion by reaching borrowers previously unable to access credit?
Are they making riskier loans than banks? How have the technologies and approaches of these lenders differed from those used by traditional lenders?
What are the benefits or drawbacks? Does Fintech pose new challenges to financial stability?

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